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Help and Advice needed


kydcarmen
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Hi, I need some help and advice concerning a joint bank account that I had with my ex partner. My ex partner will not sign the form to have my name taken off the account. I do not have access to this account as such as I have no debit or cheque book.

 

I keep receiving letters from halifax bank asking me to pay money into the account as it is over the overdraft limit. I have spoken to the bank who insist that I am still liable for this account. Is there anything i can do, I have told them that I will not pay the amount asked for and did tell them that i would be willing to state that in court if they take it that far.

:p :p :pCARMEN :p :p :p

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If you havent done so already i think there is a formal way you can disassociate yourself from this account to prevent further problems.

 

as far as i am aware as unfair as it may seem, until you do this you are partly liable for the debt if there is any. Have you spoken to the CAB about this issue?

 

I would do a search on here to see if anyone else has had the same problem, hopefully someone who know the ins and outs of this kind of problem will answer.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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  • 8 months later...

ok still having problems with the joint account. What I need is some legal way to get my name off the account, the bank say I can't do this until the balance is zero, but they still keep hassling me to pay the overdraft and now they are threatening me with a default. I haven't had access to this account for nearly 3 years and it was my ex partner who got the overdraft. The account was overdrawn recently and they hounded me for the money and i paid monthly instalments until it was back in its overdraft again but I can't do that anymore and I won't out of principle. So I need all the advice I can get with this one.

 

Please

:p :p :pCARMEN :p :p :p

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As the account is joint you and your ex are "Jointly and severably" liable for any debt on it.

 

As you have no control over the day to day running of the account I would suggest that you make an appointment to see a Senior manager at your local branch (this may require you to be a little forceful!!)and state that you would like the account frozen until the situation is rectified. (This is sometimes done in acrimonious Divorces etc) This would stop your ex from operating "your" account and therefore (hopefully) put a stop to the problem of debt and being chased for payments.

 

With regard to the overdraft you NEED to talk to them about this at the same time, as, whilst you don't have a card etc your name hasn't been removed, so, like it or not, you are liable. You need to come to an agreement, either with your ex or the bank to put the account back in order so that your name can be removed from it.

 

I had this problem with the Abbey a few years ago. My ex-husband had never removed me from our old joint account and I had no card etc on it. I went in (as advised above) and they froze the account. I signed the forms to remove my name and they only unfroze it after my ex had been in and done the same. In my situation he hadn't done it maliciously, it was simply ineptitude and idleness, but nonetheless the freezing of the account worked!

 

 

Meanwhile you cannot send an official "Disassociation" to the Credit Reference Agencies as they require you to confirm that you and your ex have not got any joint accounts.

 

His name will be associated with yours for Credit Search purposes until you get this sorted out.

 

The bank are the ONLY people who can deal with the account being in dispute. You need to talk to the "horse's mouth" asap.

 

Hope this helps.

 

:) Good Luck

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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